For the sums spent in S Group stores, Bonus is paid back to the client into the account at S-Bank.

S-Etukortti is not a regular "loyalty card" as it represents actual monetary investment and the return is formally profit, not discount.

[1] The S Group operates five distinct chains of supermarkets: The largest sales revenues are from S-market's (49%) and from Prisma's 39%.

[1] The S Group's supermarkets retail the general private brands Rainbow and Kotimaista for products made in Finland, and the no-frills X-tra range in partnership with Coop Trading — a Nordic purchasing organisation for co-operatives.

The S Group has grown significantly in Finland in recent years, growing both organically and by acquisition.

The S Group operates Finland's first so-called supermarket bank, the S-Bank (S-Pankki Oy).